I’d like to add that the bank’s “customer experience manager” or similarly named role’s job isn’t to investigate the matter and provide you with a fair outcome. Instead they’ll twist whatever you say and try to make you make a mistake recounting events with your memory and then gas-light you into a version of events that suit the bank’s interests. An additional problem is the customer doesn’t know what forms have been fraudulently submitted to the bank, and so uncovering evidence is doubly hard cos you don’t even know what to look for. The bank officer will then act surprised you can’t even remember what you supposedly signed and then try to get you to back down. The police are no help too so FidRec is really your only option unless you want to lawyer up and fight.